PCP (Personal Contract Purchase)

PCP (Personal Contract Purchase) a simple cost effective way to buy your new or nearly new vehicle.

You choose the vehicle, the deposit, how long you want the contract to run for and the mileage you intend to do. You will then receive a quote for fixed cost motoring for the length of the contract. At the end of the contract you have a choice to either buy the vehicle outright for an agreed lump sum (the Guaranteed Minimum Future Value or final balloon payment), or hand the vehicle back to the lender.

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Hire Purchase

Hire Purchase allows you to take ownership of a vehicle once all payments are made.

This is one of the most popular methods to buy a new vehicle. You pay an initial deposit, then pay off the balance in monthly payments over an agreed period of time, when the payments are complete the vehicle is yours.

One of the main benefits with Hire Purchase is the ability to buy a high value vehicle on monthly payments.

Hire Purchase allows you to tailor your finance package as deposit, length of time and monthly payments are all flexible.

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Lease

Personal contract hire is very similar to normal contract hire, but is exclusively for private individuals. This is one of the most common form of leasing.

With a personal contract hire agreement you take control of a vehicle for a contractual period – usually referred to as the ‘lease period’. You will make fixed monthly payments for the duration of the contract – when the contract expires you will simply return the vehicle and take out a new personal contract hire lease. PCH means you never have to worry about resale values of your vehicle.

Insurance groups range from 1 to 50 and dictates the cost of the vehicles insurance. The higher the group, the higher the insurance will be for the vehicle.

Insurance Group

BHP rates the engine performance of vehicles and stands for the brake horsepower.

Performance (BHP)

CO2 is the amount of carbon dioxide emitted by the vehicle in grams per kilometre travelled, the lower the CO2 emissions the cleaner the vehicle is for the environment.

CO2 (g/km)

The total number of seats in the vehicle.

Number Of Seats

Road Tax is based upon the CO2 emissions of the vehicle and is split into 13 bands from A to M. The higher the letter the greater the cost of tax paid to drive the vehicle on public roads. In addition to the road tax detailed below, any vehicle that had a manufacturers retail price in excess of £40,000 when first sold, attracts a road tax supplement of an additional £310 per year. This is charged until the vehicle is 6 years old.

Ten Second Review

Families now have a wealth of choice at their disposal when choosing a new car, but the estate models that used to be a default choice shouldn't be overlooked. Vauxhall's second generation Insignia Sports Tourer has the quality, the looks and the practicality to prove a great addition to the household.

Background

Many predicted that MPVs and 4x4s would be the death of the estate car. There's no doubt that they dragged it into an alleyway and roughed it up a bit, but they failed to finish the job and the estate has come out fighting. With a smaller section of the market to compete over, the top estate products got their acts together. They're now more keenly differentiated from the saloons and hatchbacks that spawned them with sleeker styling and more innovative and practical load areas.
If you'd written the estate off as an outmoded product, now might be the time to give the modern take on the genre another chance and there's no better place to start than Vauxhall's much improved second generation Insignia Sports Tourer. There's a revised engine range, major styling changes and even the promise of an SUV-inspired fashionable 4WD 'Country Tourer' model at the top of the line-up.

Driving Experience

On the move, this Insignia Sports Tourer feels like the bigger car it's now become, the suspension floating you over broken surfaces that would have troubled and impeded the previous model. Importantly, this second generation model is around 200kg lighter than its predecessor and that really shows when cornering at speed, where there's less body roll than before and generally, a much higher level of agility. As for engines, well most buyers will continue to want the 170PS 2.0 CDTi diesel, also available in 210PS biturbo form. There are also 110PS and 136PS versions of Vauxhall's 1.6-litre CDTi diesel. Engine-wise, you'll find much more that's really different if you turn your attention to petrol power, with all three units on offer being pretty new. Small capacity turbocharged engines that use unleaded are very much in vogue at present and the 1.5-litre unit supplied here should suit that trend, offered with either 140 or 165PS. There's also a 200PS 1.6-litre Direct Injection turbo petrol unit.
Further up the range sits a potent 260PS 2.0-litre petrol Turbo model that showcases both of what are arguably the two most significant engineering developments introduced with this second generation Insignia. One is the super-slick 8-speed auto gearbox that's optional on lesser models. The other is a sophisticated new intelligent all-wheel drive system that uses a state-of-the-art rear torque vectoring system for greater cornering traction and sharper turn-in.

Design and Build

Style is a significant weapon in the estate car's armoury. In the war against chunky compact 4x4s and frumpy MPVs, the sleek, road-hugging lines of a well-conceived estate can have a major impact on its fortunes. The Insignia Sports Tourer definitely looks the part. So what's changed on this second generation version? Well, at nearly 5m long, it's 73mm longer than the MK1 model an is a lot more spacious inside thanks to a 92mm increase in wheelbase length. The overall boot loading length has grown to over two metres, too, which has resulted in an enlarged total capacity of 1,665-litres with the rear seats down - 110-litres up on the outgoing model. However, the 560-litre capacity with the seats in place is no better than before.
The seats themselves can be ordered with a 40:20:40 folding mechanism, while an electric tailgate with foot gesture opening is also available. Vauxhall has also made loading easier with a lower load lip. Up front, there's an enormous improvement over what was served up by the previous Insignia. Fit and finish is almost a match for the premium brands and in the instrument binnacle, most models get a smart and configurable 4.2-inch colour screen, plus there's a sophisticated Intellilink screen on the dash that can be up to 8-inches in size.

Market and Model

There's a £1,500 model-for-model premium to pay if you want the extra luggage space of the Sports Tourer estate variant rather than the Grand Sport five-door hatch. This station wagon bodystyle is also available in raised 4x4 'Country Tourer' guise if you want an alternative to an SUV. Despite the fact that this Insignia Sports Tourer has been pushed up-market, prices have been kept very competitive - and indeed have been sharpened so that they more accurately fit the latest 'BIK' 'Benefit-in-Kind' categories. In fact from launch, Vauxhall claimed that some versions of this MK2 model Insignia Sports TourerSport were up to £1,500 less expensive than their direct first generation predecessors. To be specific, we're talking about a range priced in the £21,000 to £39,000 bracket. At the bottom end at least, those really are very affordable figures for a car of this size.
Let's take a look at a few specifics on the model line-up. Automatic transmission is an option across the range for around £1,700 - it's the brand's latest 8-speed auto 'box. Bear in mind that to get the 2.0-litre CDTi diesel most buyers will probably choose, you're looking at pricing starting from just under £22,000. Four-wheel drive is limited to the top 210PS 2.0-litre biturbo diesel and to the 260PS 2.0-litre Turbo petrol model, both derivatives only available with auto transmission and models that could easily command a list price tag of around £32,000 if you added in a few well-chosen extras.

Cost of Ownership

Around 85% of Insignia buyers go for a diesel - and you can see why. Well over 61mpg is possible from the 1.6 CDTi 136PS unit most Sports Tourer buyers will choose. That falls to 53.3mpg if you go for the 2.0-litre diesel. As for residual values, well these will depend on whether the industry recognises this Sports Tourer model's shift up-market. Even if it does, the depreciation levels won't match those of premium German rivals. But then, you'll be paying less up-front in the first place, so it's swings and roundabouts. CO2 figures are very competitive, the 136PS 1.6-litre diesel capable of 119g/km of CO2. The base 1.5-litre petrol variant manages 47.1mpg and 136g/km.
You'll also need to know that Vauxhall includes a three-year, 60,000 mile warranty as standard, a package that can be extended up to five years and 100,000 miles at extra cost. A year's free breakdown cover is also provided, along with a six-year anti-corrosion guarantee. Plus you can opt for a service plan that lets you pay monthly to spread the cost of regular work to your car. As part of this, Vauxhall offers discounts on wear and tear items, such as brake pads and windscreen wipers.

By Jonathan Crouch

If you’re looking for a new Vauxhall Insignia 1.6 Turbo D ecoTec SRi Nav 5dr Diesel Estate for sale, you’ve come to the right place. At Bristol Street Motors we don’t just have the best Vauxhall Insignia 1.6 Turbo D ecoTec SRi Nav 5dr Diesel Estate deals, we also offer friendly advice and help with all your enquiries to ensure your buying experience is a happy experience.

What are you waiting for? Make an enquiry online using the link above or call one of our friendly sales advisors today.

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*The information given about models and their specification and features applies at the time that a vehicle is listed online or when the listing has been updated. Specifications and features do change and the information is given only as a guide. It may contain errors or omissions. The actual specification of a vehicle at the time of purchase may differ from that listed above and any important feature should be clarified as part of your purchase. The information above does not constitute an offer to sell.